cover policy

8/2/2019 Cover Policy

http://slidepdf.com/reader/full/cover-policy 1/83



About this Policy Wording

Summary o Bene its

Calculating your Premium

Table o Bene its- Medical- Luggage

- Cancellation- AncillaryPlan E Plan F Plan G Plan H

Additional Options



Pre-existing Medical Conditions 21

Important Matters 32

Words with Special Meanings 41

Your Policy Cover 44

General Exclusions applicable to all Sections 69

Claims 72

Health Tips 76

Emergency Free Call Telephone Numbers 78

Contact Details Back Cover



including any endorsements under “Additional Options” pages20 to 21 and “ Pre existing Medical Conditions ” pages 21to 31 (remember certain words have special meanings – see

“Words with Special Meanings” pages 41 to 44);• When“We Will Not Pay” a claim under each Policy Section

applicable to the cover you choose and “General Exclusionsapplicable to all Sections” pages 69 to 72 (this restricts thecover and bene its);

• “Claims” pages 72 to 75 (these set out certain obligations that you and we have. I you do not meet them we may be able tore use to pay a claim); and

• “Important Matters” pages 32 to 40 (this contains important

in ormation on who can purchase the policy, age limits, periodo cover, your duty o disclosure, how the duty applies to youand what happens i you breach the duty, your cooling-o period, con irmation o your cover, Allianz Global Assistance’sprivacy policy and dispute resolution process, extension o your policy, your policy Excess, when you can choose your

own doctor and when you shAssistance concerning 24 hohospitalisation or medical ev

APPLYING FOR COVERWhen you apply or the policy, was the period o insurance, your pExcess will apply, and whether an(this may be by way o an endorsin the Certi icate o Insurance we

This Policy Wording sets out the cwith. You need to decide i the becover are appropriate or you and

I you have any queries, want urplease contact 1Cover.

ABOUT YOUR PREMIUMYou will be told the premium payaIt is based on a number o actorlength o Journey, number o per



Medical Conditions and Additional Options. The higher the risk, thehigher the premium is.

Your premium also includes amounts that take into account ourobligation to pay any relevant compulsory government charges,taxes or levies (e.g. GST) in relation to your policy. These amountsare included in your Certi icate o Insurance as part o the totalpremium.

COOLING OFF PERIOD Even a ter you have purchased your policy, you have cooling-o rights (see “Important Matters” pages 32 to 40 or details).

WHO IS YOUR INSURER? This policy is issued and underwritten by Allianz New ZealandLimited (Allianz).

WHO IS Allianz Global Assistance? Allianz Global Assistance is a trading name o AGA AssistanceAustralia Pty Ltd. Allianz Global Assistance has been authorised byAllianz to enter into and arrange the policy and deal with and settle

any claims under it, asAllianz Global Assistait can do these things a

emergency assistance smay contact Allianz Gday, 7 days a week.

UPDATING THE POWe may need to updatcertain changes occur wwill issue you with a nin ormation except in not something that wouo view o a reasonab

product, Allianz Globathis in ormation in othchanges (you can get a

EFFECTIVE DATEThe e ective date o



Summary o Bene itsThis is only a summary o the bene its. Please read this Policy Wordingcare ully or complete details o what “We Will Pay” and “We Will NotPay” and which o the bene its are provided under each Plan. Importantly,please note that exclusions do apply, as well as limits to the cover.

SECTION 1 Overseas Emergency Medical Assistance (pg. 45 to 46) Cover or emergency medical assistance including:– 24 Hour Emergency Medical Assistance – Ambulance– Medical Evacuations – Funeral Arrangements– Messages to amily – Hospital Guarantees.

SECTION 2 Overseas Emergency Medical & Hospital Expenses (pg. 46 to 48)Cover or overseas medical treatment i you are injuredor become sick overseas, including:– Medical – Hospital – Surgical – Nursing– Emergency dental treatment or the relie o sudden

and acute pain to sound and natural teeth.

SECTION 3 Additional AccomCover or additionacannot travel becaus

SECTION 4 Family Emergency

Cover or additionalor a Relative o eithean injury or requires

SECTION 5 Emergency Compa

Cover or additiona your Travelling Combecause o an injury



SECTION 15 Luggage & PersonCover to purchase e

personal items ollobeing delayed, misdmore than 12 hours.

SECTION 16 Cancellation Fees Cover or cancellattravel arrangements neither expected nor you or which are ou– Sickness – Accide– Retrenchment – N

SECTION 17 Disruption o JourCover or additional your Journey is disrucontrol a ter an initi

SECTION 12 Travellers Cheques & Travel Documents (pg. 56 to 57)Cover or the replacement cost o your travel documents

including passports, travel documents or travellerscheques lost or stolen rom you during your Journey.

SECTION 13 The t O Cash, Bank Notes, Currency Notes, PostalOrders or Money Orders (pg. 57 to 58)Cover or the ollowing items stolen rom your person, upto $250 or all claims combined:– Bank Notes – Cash – Currency Notes – Postal Orders– Money Orders.

SECTION 14 Luggage & Personal E ects (pg. 58 to 61)Cover or replacing Luggage and Personal E ects stolen orreimbursing repair cost or accidentally damaged items,including:– Luggage – Spectacles – Personal E ects– Personal Computers – Cameras.



SECTION 18 Alternative Transport Expenses (pg. 64)Cover or additional travel expenses ollowing

transport delays to reach events such as:– Wedding – Funeral – Con erence – Sporting Event– Pre-paid travel/tour arrangements.

SECTION 19 Personal Liability (pg. 65 to 66)

Cover or legal liability including legal expensesor bodily injuries or damage to property o other

persons as a result o a claim made against you.

SECTION 20 Domestic Pets (pg. 66 to 67)Cover or additional boarding kennel or cattery eesresulting rom your delayed return Home. Also veterinary

ees i your pet is injured whilst you are away.

SECTION 21 DomesticCover or

disablemeSECTION 22 Rental V

Cover oInsurance– Stolen –

returnindo so.



Calculating your PremiumStep 1 Re er to “Who can purchase this policy?” pages 32 to

Step 2 Re er to “Age Limits” page 3

Step 3 Re er to “Pre-existing Medical Conditions” pages 21 to

Step 4 Nominate the Geographical Region or your Journey (Plans A, B & C only) page

Step 5 Choose your Plan type (A, B, C, D, E, F, G or H) pages 10 t

Step 6Choose your policy type(Single, Group or Family)

---

Step 7 Nominate the duration o your Journey ---

Step 8 Choose the “Additional Options” you want to include pages 20 to

Step 9 Contact 1Cover or your premium and to apply to purchase a policy back cove



GEOGRAPHICAL REGIONS

I you are travelling to multiple destinations which are indi erent Geographical Regions, you must select the highestGeographical Region, as this will cover travel in each o thelower Geographical Regions.Example:I you are travelling to Bali, Philippines and Europe, you must select Region .You will then be covered or all destinations in Regions , & .

Cover or any Region (or any Plan selected by

However, underin a higher GeoGeographical RExample:I you have choseselected Region )as well as up to

Travel on CruisTravellers on doalso purchase Pensure cover is emergency med

I you do not ptrans er or evactransported to the

Destinations Geographical Regions

USA, Hawaii, Canada, A rica, Japan, China,Hong Kong, South America, Middle East Region 1 - Worldwide

Europe, United Kingdom Region 2 - Europe

Asia (excluding China, Japan, Hong Kong & Bali) Region 3 - Asia

South-West Paci ic, Australia, Papua NewGuinea, Bali, Nor olk Island Region 4 - Paci ic



Medical Table o Bene itsFollowing is a Table o the bene ts and theirmaximum limits.

Re er to “Your Policy

Cover” pages 44 to68 or details o what“We Will Pay” andwhat “We Will NotPay” and which typeso cover are providedunder each Plan.

All bene t limits andExcesses throughoutthis Policy Wordingare in New ZealandDollars (NZD).

*sub-limits apply (re er to “Your Policy Cover” pages 44 to 68)

Policy Section & BeneftPLAN A

Comprehensive

Single Group(per person) Family Single

*1 Overseas Emergency Medical Assistance unlimited unlimited unlimited unlimited

2Overseas Emergency Medical &Hospital ExpensesDental Expenses

unlimited

$500

unlimited

$500

unlimited

$500

unlimited

$500

3 Additional Accommodation & Travel Expenses

$50,000 $50,000 $100,000 ---4 Family Emergency

5 Emergency Companion Cover

6 Resumption o Journey $3,000 $3,000 $6,000 ---

*7 Hospital Cash Allowance $5,000 $5,000 $10,000 ---

*8 Accidental Death $25,000 $25,000 $50,000 ---

*9 Permanent Disability $25,000 $25,000 $50,000 ---

*10 Loss o Income $10,400 $10,400 $20,800 ---10




PLAN DDomestic

PLAN EFrequent Traveller

(International)

PLAN FFrequent Traveller

(Domestic)

PLAN GNon Residents (Incoming)

SingleGroup

(per person) Family Total policy limit Total policy limit SingleGroup

(per person) Family Sing

--- --- --- unlimited --- unlimited unlimited unlimited unlimited

---

---

---

---

---

---

unlimited

$500

---

---

unlimited

$500

unlimited

$500

unlimited

$500

unlim

$50

$50,000 $50,000 $100,000 $50,000 $50,000 $50,000 $50,000 $100,000 $50,000

--- --- --- $3,000 --- --- --- --- $3,000

--- --- --- $5,000 --- $1,000 $1,000 $1,000 $5,000

$25,000 $25,000 $50,000 $25,000 $25,000 $20,000 $20,000 $20,000 $25,000

--- --- --- $25,000 --- --- --- --- $25,000

--- --- --- $10,400 --- --- --- --- $10,400




PLAN DDomestic


(International)


(Domestic)

PLAN GNon Residents (Incoming) Re

Single Group(per person) Family Total policy limit Total policy limit Single Group(per person) Family Single

--- --- --- $5,000 --- --- --- --- $5,000

--- --- --- $250 --- --- --- --- $250

$5,000 $5,000 $10,000 $5,000 $5,000 $3,500 $3,500 $3,500 $5,000 $

--- --- --- $250 --- --- --- --- $250




Cancellation Table o Ben


Comprehensive


*16 Cancellation Fees & Lost Deposits unlimited unlimited unlimited ---

*17 Disruption o Journey $1,000 $1,000 $2,000 ---

18 Alternative Transport Expenses $5,000 $5,000 $10,000 ---

Following is a Table o the bene ts and theirmaximum limits.




14




PLAN DDomestic


(International)


(Domestic)

PLAN GNon Residents (Incoming) R

SingleGroup


(per person) Family Single

unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited

$1,000 $1,000 $2,000 $1,000 $1,000 --- --- --- $1,000

--- --- --- $5,000 --- --- --- --- $5,000



Ancillary Table o Bene i



Comprehensive


19 Personal Liability $5,000,000 $5,000,000 $5,000,000 $5,000,000 $

*20 Domestic Pets $500 $500 $500 ---

*21 Domestic Services $500 $500 $500 ---

*22 Rental Vehicle Excess $5,000 $5,000 $5,000 ---

Following is a Table o the bene ts and theirmaximum limits.




16




PLAN DDomestic


(International)


(Domestic)

PLAN GNon Residents (Incoming) R

SingleGroup


(per person) Family Single

$5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000

--- --- --- $500 --- --- --- --- $500

--- --- --- $500 --- --- --- --- $500

$5,000 $5,000 $5,000 $5,000 $5,000 $2,500 $2,500 $2,500 $5,000



Plan E – Frequent Traveller (In terna tional)• Annual cover• Unlimited number of Journeys• Cover reinstated on the completion of each Journey

• Worldwide or domestic JourneysCovers Policy Sections 1 to 22 whilst travelling overseas and PolicySections 3, 4, 5, 8, 14, 16, 17, 19 & 22 whilst travelling in New Zealand(minimum o 250km rom Home).

• Accompanying spouse and Dependant children/grandchildrencan be covered or an additional premiumPLEASE NOTE:The bene it limits shown in the Table o Bene its apply to the total o allclaims combined, regardless o which insured person the claim relates to.There is no cover or individuals who have not been listed as covered on your Certi icate o Insurance.Please contact 1Cover or details on additional premiums.

(“Accompanying” is de ined as travelling with the insured person or 100% o the Journey)

• The maximum period of cover for any one Journey cannot exceeda total o 90 days. This applies to both leisure and business travel.

Plan F – Frequent Traveller (Dome• Annual cover• Unlimited number of Journe• Cover reinstated on the com

• Domestic JourneysCovers Policy Sections 3, 4, 5, 8, 14, 1Zealand (minimum o 250km rom H

• Accompanying spouse and Dbe covered or an additional prPLEASE NOTE:The bene it limits shown in the Tablclaims combined, regardless o whicThere is no cover or individuals w your Certi icate o Insurance.Please contact 1Cover or details on

(“Accompanying” is de ined as travo the Journey)

• The maximum period of covtotal o 90 days. This applies t

T a

b l e o

B e n e f t s



PLAN G – Non Residents (Incoming)Cover or non-Residents o New Zealand travelling to and within NewZealand on a temporary basis. This policy does not cover your returntrip to your Country o Residence.

PLEASE NOTE:• Where the word “New Zealand” appears in this Policy Wording,

the policyholder’s Country o Residence is to be substituted,except where it appears:

in About this Policy Wording (pages 1 to 3) under the Table o Bene its section (pages 10 to 20) in Important Matters (pages 32 to 40) under the headings:

- Who can purchase this policy?- Period o cover

- Jurisdiction and choice o law in “Words with Special Meanings” (pages 41 to 44) under thede initions:- “Resident o New Zealand” - “We, Our, Us”

in “Your Polic- Policy Sectiunder the Claiheadings:- Claims are - Travel withiin “ Emergencyon the Back C

• The definitions41 to 44) or “H

ollows or Plan

“ Home ” means tho Residence.

“

Journey ”

means to go directly to thZealand, and endsdeparture rom N

Please re er to pages provided or Plan G.



The standard item limits remain unaltered - see 14.1[b] on page 58.This Additional Option is not available under Plan C.

EXCESS You can remove the standard $100 Excess on Plans A, B, C, E & Gby paying an additional premium.

Re er to page 40 or the standard Excesses that apply to your policy.

Please contact 1Cover or details on additional premiums.

Pre exisThis insurance providePre-existing Medical Cthis section care ully, Condition”.



I you do not have a Pre-existing Memergency medical costs under Plan

or emergency medical costs under

Travellers 81 years o age and oveI you are aged 81 years or over, thisection o the Policy Wording does nthe ‘81 Years and Over Medical Declat www.1Cover.co.nz or call 1Cover absolute right to accept or decline cosuch as an additional Excess or redu

Travellers under 81 years o ageI you have a Pre-existing Medical Ccondition, read the ollowing in orm

please contact 1Cover on 0800 000 3You can apply or and/or purchase cConditions under the ollowing Plan

- Plan A – Comprehensive- Plan C – Basics

WHAT IS A PRE-EXISTING MEDICAL CONDITION?Pre-existing Medical Condition (or “pre-existing condition”) means:a] An ongoing medical or dental condition o which you are aware,

or related complication you have, or the symptoms o which you are aware;

b] A medical or dental condition that is currently being, or has beeninvestigated, or treated by a health pro essional (including dentistor chiropractor) at any time, in the past, prior to policy purchase;

c] Any condition or which you take prescribed medicine;d] Any condition or which you have had surgery;e] Any condition or which you see a medical specialist; or

] Pregnancy**re er to the “Pregnancy” section pages 23 to 24 or outline o cover).

This de inition applies to you, your Travelling Party, a Relative or anyother person.



- Section 3: A(

- Section 5: E- Section 7: H- Section 16:

- Section 17: There is no need tdetailed in the tab

In any event we w• regular• childbirth• care of

Please read througto your ertility trcertain pregnancy additional premium

- Plan D – Domestic- Plan E – Frequent Traveller (International)- Plan F – Frequent Traveller (Domestic)

You cannot apply or or purchase cover or certain Pre-existingMedical Conditions under the ollowing Plans:

- Plan B – Essentials- Plan G – Non-Residents (Incoming)- Plan H – Residents (Incoming)

Only the Pre-existing Medical Conditions listed under Step 2 arecovered under Plans B, G & H (unless hospitalisation has occurred),as well as certain conditions listed under the “Pregnancy” heading.

PREGNANCYThis section outlines the cover available or medical expenses,cancellation costs or additional expenses arising rom, or related to,pregnancy under the ollowing Sections o the policy:

- Section 1: Overseas Emergency Medical Assistance- Section 2: Overseas Emergency Medical and Hospital

Expenses (including Dental expenses)



Fertility Treatment Outcome

a] You are not yet pregnant, however youare undergoing ertility treatment, nowor be ore your Journey commences

Cover is not available under any Plan.

Your pregnancy Outcome

b] You have a single pregnancy Cover is not available under any Plani your Journey extends past the26th week o your pregnancy.

c] You have a single pregnancy without anycomplications*, which did not arise romservices or treatment associated with anassisted reproduction program includingbut not limited to in vitro ertilisation

Cover is automatic under Plans A,C, D, E & F i your Journey ends onor be ore the 26th week o yourpregnancy. No additional premiumis payable.

d] You have a single pregnancywithout any complications*, wherepregnancy arises rom services ortreatment associated with an assistedreproduction program including but notlimited to in vitro ertilisation

Cover is available i you pay anadditional premium under aPre-existing Medical Condition Planand your Journey ends on or be orethe 26th week o your pregnancy.

Your pregnancy

e] You have a multiple pregnancy

] You have a multiple pregnancy withoutany complications*, where pregnancydoes not arise rom services or treatmentassociated with an assisted reproductionprogram including but not limited toin vitro ertilisation

g] You have a multiple pregnancy,which arises rom services ortreatment associated with an assistedreproduction program including butnot limited to in vitro ertilisation

h] You have experienced any pregnancycomplications* prior to your policybeing issued

*“complications” are de ined as “Any secoduring the course o , concurrent with, or amay adversely af ect the pregnancy outco



NO COVER FOR MEDICAL EXPENSES, CANCELLATIONCOSTS OR ADDITIONAL EXPENSESThere is no cover or medical expenses, cancellation costs or

additional expenses i the ollowing circumstances apply:1] You have been given a terminal prognosis or any condition with

a li e expectancy o under 24 months2] You require home oxygen therapy or you will require oxygen or

the Journey3] You have Chronic Renal Failure treated by haemodialysis or

peritoneal dialysis4] You have been diagnosed with Congestive Heart Failure5] You have an AIDS-de ining illness or any condition associated

with immunocompromise6] You have had, or are on a waiting list or an organ transplant

I any o these apply to you, cover under the ollowing PolicySections is excluded:

- Section 1: Overseas Emergency Medical Assistance

- Section 2: OverExp

- Section 3: Addi(app

- Section 5: Eme- Section 7: Hosp- Section 16: Can- Section 17: Dis

This means that we w• your medical

sickness/injur• your evacua

• your trip c• any additiona

and accommo



c] You are awaiting specialist o4] Any condition or which you h

6 weeks

5] Any condition or which you h6] Any condition which has cause7] Any Chronic or recurring pain

medication or other ongoing trechiropractic treatment

8] Any mental illness as de ined a] Dementia, depression, anxietb] Behavioural diagnoses suchc] A therapeutic or illicit drug

9] Any cardiovascular disease (sea] Experienced angina (chest pb] Had a stroke (cerebrovascul

Ischaemic Attack (TIA) wit

War arin Use:Please note that taking blood-thinning prescription medication such asWar arin (also known under the brand names o Coumadin, Jantoven,Marevan, and Waran) has a complex range o serious complicationsand side e ects and is General Exclusion 16 in the “General Exclusionsapplicable to all Sections” on page 70. This means that we will not pay

or any conditions that would otherwise be covered.

STEP 1 – Is your Pre existing Medical Conditiondescribed in the list below?1] Any type o cancer that you have previously been diagnosed

with, or secondaries rom that cancer2] Any condition or which surgery/treatment/procedure is

planned, including any ertility treatment3] Any condition which arises rom signs or symptoms that you

are currently aware o , but:a] You have not yet sought a medical opinion regarding the

cause; orb] You are currently under investigation to de ine a diagnosis; or



I YES– There is no cover or claims arising rom, related to orassociated with that Pre-existing Medical Condition.

STEP 2 – Is your Pre existing Medical Conditiondescribed in the list below?

c] do not also sua known cardiodisease, hyperthypercholester

andd] are under 50 ye

age at the date issue

13] *Diabetes Mellitu– providing you wa] were diagnose

months ago, anb] have no eye, ki

nerve or vascucomplications,

c] do not also sua known cardiodisease, hyperthypercholester

1] Acne2] Allergies, limited to Rhinitis,

Chronic Sinusitis, Eczema,Food Intolerance, Hay Fever

3] Asthma – providing that you:a] have no other lung

disease; andb] are less than 60 years o

age at the date o policyissue

4] Bell’s palsy5] Benign Positional Vertigo6] Bunions

7] Carpal Tunnel Syndrome8] Cataracts9] Coeliac disease10] Congenital Blindness11] Congenital Dea ness12] *Diabetes Mellitus (Type

I) – providing you:a] were diagnosed over 12

months ago, andb] have no eye, kidney,

nerve or vascularcomplications, and



23] *Hyperlipidaemia (HighBlood Lipids) – provided you do not also su er roma known cardiovasculardisease and/or diabetes

24] *Hypertension (High BloodPressure) – provided youdo not also su er roma known cardiovasculardisease and/or diabetes

25] Hypothyroidism, includingHashimoto’s Disease

26] Impaired Glucose Tolerance27] Incontinence

28] Insulin Resistance29] Iron De iciency Anaemia

30] Macular Degeneration31] Meniere’s Disease32] Migraine33] Nocturnal Cramps34] Osteopaenia35] Osteoporosis36] Pernicious Anaemia37] Plantar Fasciitis38] Raynaud’s Disease39] Sleep Apnoea40] Solar Keratosis41] Trigeminal Neuralgia

42] Trigger Finger43] Vitamin B12 De iciency

I YES– We will pay claims arisingCondition, provided that you have nDay Surgery or Emergency Departmcondition in the past 24 months.

I hospitalisation has occurred, covrequired to submit a completed Medoutlined in Step 4.

STEP 3 – Is your Pre exisdescribed in the list below?1] Any condition or which you h

Day Surgery or Emergency De24 months

2] Any condition that requires ong

or other immunosuppressive th3] You have had heart problems re

stents or bypass gra ting (CABhad such procedures more than

4] You have a Pacemaker or AICD

*Diabetes (Type I and Type II) , Hypertension, Hypercholesterolaemiaand Hyperlipidaemia are risk actors or cardiovascular disease. I youhave a history o cardiovascular disease, and it is a Pre-existing MedicalCondition, cover or these conditions is also excluded.



STEP 4 – How do I get my Pre existing MedicalCondition assessed?I your Pre-existing Medical Condition alls under Step 3 or you havebeen hospitalised or a condition listed under Step 2 and you would liketo apply or cover or your Pre-existing Medical Condition, we will require you to complete a Medical Declaration Form and send it to 1Cover.

You cannot apply or cover or conditions outlined under the heading“No cover or medical expenses, cancellation costs or additionalexpenses” or conditions outlined in Step 1.

You can only apply or cover or your Pre-existing Medical Conditionunder Plans A, C, D, E & F.

Medical Declaration Forms are available rom 1Cover. In some caseswe will need a Doctor’s Declaration to be completed by your regulartreating doctor, but this is outlined in more detail in the MedicalDeclaration Form.

Once Allianz Global Assistance assesright to accept or decline cover. I thadditional premium under the relevan

For urther in ormation, visit www0800 000 333.

Please also re er to “Your Po68) and “General Exclusions(pages 69 to 72).



Chronic Lung DiseaI you have ever been limited to) EmphysemaAirways Disease (COAAsthma and you do nowill not be available oI we have not agreed condition, then all new

Following are two (2) examples o common Pre existing MedicalConditions:Cardiovascular disease:Medical conditions involving the heart and blood vessels are collectively

called cardiovascular disease (CVD). All such conditions are interrelated.I you have ever needed to see a specialist cardiologist, or been diagnosedwith a orm o CVD such as (but not limited to):

and you do not purchase adequate cover or CVD, cover will not beavailable or any claims relating to the heart/cardiovascular system(including heart attacks and strokes).

I we have not agreed in writing to provide cover or a particular CVD,then all CVD is excluded.

] Aneurysms] Angina] Cardiomyopathy] Cerebrovascular Accident

(stroke)] Disturbances in heart rhythm

(cardiac arrhythmias)

] Previous Heart Surgery(including valvereplacements, bypasssurgery, stents)

] Myocardial In arction (heartattack)

] Transient Ischaemic Attack



Important MattersUnder your policy there are rights and responsibilities which you and wehave. You must read this Policy Wording in ull or more details, but here aresome you should be aware o .

WHO CAN PURCHASE THIS POLICY?PLANS A, B, C, D, E & FCover is only available i :

• you are a citizen or permanent Resident of New Zealand; and• you purchase your policy before you commence your Journey; and• your Journey commences and ends in New Zealand.

PLAN GCover is only available i you:

• are a not a Resident of New Zealand; and• are travelling to New Zealand on a temporary basis; and• purchase your policy within 14 days of your arrival in New Zealand#.

#Re er “Policies purchased a ter arrival in New Zealand” below or conditions o cover

Cover is not available or:• persons who are entitled to

Agreement between the governgovernment o another country

Policies purchased a ter arrival inYou can purchase your policy once ythe ollowing conditions:

• you must purchase your poNew Zealand; and

• cover commences from theo Cover” pages 34 to 35); and

• a waiting period of 7 daysCerti icate o Insurance applieto or associated with an injury oSection that applies to the claimcovered or medical expenses, costs, additional expenses, emercash allowance arising rom, reor sickness which occurs within



• you cannot apply for or purchase cover for certain Pre-existingMedical Conditions. Re er to page 23 or details o the Pre-existingMedical Conditions covered under Plan G; and

• where the word “Journey” appears in this Policy Wording, itsde inition under “Words with Special Meanings” (page 42) is to besubstituted as ollows:“ Journey ” means rom the time your policy is issued, and endswhen you arrive at any immigration counter or departure romNew Zealand to return to your Country o Residence.

Please re er to page 19 or details o the variations to this PolicyWording or Plan G.

I at any time a ter the policy is issued, your visa status has changed(e.g. you have been granted permanent residency), you may no longerbe eligible to buy this insurance or entitled to cover under it. You mustnoti y 1Cover immediately i this is the case. When you apply they willtell you i you are eligible or this insurance or not.

PLAN HCover is only available i :

• you are a citizen or permanent Resident of New Zealand

• you purchase y• your one-way J

Policies purchased a t

You can purchase yourollowing conditions:• cover commenc

Cover” pages 34 t• a waiting period

o Insurance applwith an injury or sthe claim. This mecancellation or Joucompanion cover

associated with anperiod; and• you cannot app

Conditions. Re eConditions covere



• where the word “Journey” appears in this Policy Wording, itsde inition under “Words with Special Meanings” (page 42) is to besubstituted as ollows:“ Journey ” means the time rom when the policy is issued while

you are Overseas and ends when you arrive at any immigrationcounter in New Zealand.

AGE LIMITSAge limits are as at date o issue o your Certi icate o Insurance.

PLANS A & D Automatically available to travellers aged up to 81 years.Age loadings apply or travellers aged 60 and over.

Travellers 81 years o age and overA Medical Declaration Form is required to be submitted or assessment

be ore a policy can be o ered. We have the absolute right to acceptor decline cover, or impose special conditions such as an Excess orreduced bene its. Re er to “Travellers 81 years o age and over” (page22) or details.

PLANS B, C, E, F, G & H Available to travellers aged up to 76 years.

PERIOD OF COVERYou do not have a policy until we isCerti icate orms part o your poliset out in the Certi icate. However:

PLANS A, B, C, D, E & F• Cover for cancellation fees a

policy is issued.

• Cover for all other Sectionsstated on the Certi icate o Insu

• Cover ends when you returnout on your Certi icate o Insur

The period o cover or any one Journeyo 90 days. This applies to both leisure

PLAN G• The cover for cancellation

time the policy is issued.

• Cover for all other SectionsCerti icate o Insurance.



A waiting period o 7 days applies i you purchase your policy a ter your arrival in New Zealand or Plan G (re er to “Policies purchased a ter arrivalin New Zealand” pages 32 to 33 or details).

• Cover ends at the time you leave to go directly to the place

you depart rom in New Zealand to return to your Country o Residence, or on the end date set out on your Certi icate o Insurance, whichever happens irst. Cover is not available or your return trip to your Country o Residence. Re er to page 19 or the de initions o “Home” and “Journey” or Plan G.

PLAN H• The cover for cancellation fees and lost deposits begins from the

time the policy is issued.• Cover for all other Sections begins on the Start Date as noted on

your Certi icate o Insurance.

A waiting period o 7 days rom the Start Date noted on your Certi icateo Insurance applies to all claims arising rom, related to or associated withan injury or sickness, regardless o the Policy Section that applies to theclaim (re er to “Policies purchased a ter leaving New Zealand” pages 33to 35 or details).

• Cover ends whenon the end date set o

irst.Re er to page 20

The period o cover or

to all Plans.COOLING-OFF PERIOI you decide that you do a ter you are issued your be given a ull re und oJourney and you do not wthe policy.A ter this period you capart o your premium i

EXTENSION OF COVYou may extend your covZealand has been delayed

• A bus line, airlinthat has accepted yo



• The delay is due to a reason for which you can claim under yourpolicy (subject to Allianz Global Assistance’s written approval).

I the delay is or any other reason, 1Cover must receive your request toextend cover at least 7 days be ore your original policy expires i you send your request by post. All other requests to extend cover must be receivedby 1Cover prior to your original policy expiry date. Cover will be extendedsubject to 1Cover ’s written approval, and your payment o the additionalpremium.Where 1Cover have agreed to extend cover, they will issue you with anew Certi icate o Insurance. The period o cover on your new Certi icatecannot exceed 12 months.Extensions o cover are not available:

• For Pre-existing Medical Conditions previously accepted by AllianzGlobal Assistance in writing; or

• For conditions you su fered during the term of your original policy; or• Where you are aged 81 years or over at the time of extension; or• Where you have not advised Allianz Global Assistance of any

circumstances that have or may give rise to a claim under your originalpolicy.

JURISDICTION AND CHOICE OThis policy is governed by and conlaw o New Zealand and you agree jurisdiction o the courts o New Zintention that this Jurisdiction and C

YOUR DUTY OF DISCLOSUREWhen you apply or this insuranceduty at law to disclose to us all matmaterial acts to us as soon as you

A material act is one that may indeciding whether or not to accept thterms and conditions and or what

Examples o in ormation you may

• anything that increases the• any criminal conviction or• if another insurer has can

insurance, has imposed specia• any insurance claim or lo



These examples are a guide only. I there is any doubt as to whethera particular piece o in ormation needs to be disclosed, this shouldbe re erred to Allianz.

Non-disclosureI you ail to comply with your duty o disclosure, the consequencesmay be serious. We may be entitled to avoid this policy or reject anyclaim under it.

FALSE STATEMENTS AND FRAUDYour policy is based on the in ormation supplied to us by you or on your behal . All statements made by you or on your behal at thetime o application, in support o this policy, on any Claim Form orin support o any claim, must be true and correct. I you take anyaction or make any statement in connection with this policy orany claim made under it, which is raudulent in any way or whichis supported by untrue or incorrect in ormation, we are entitled toavoid this policy and all bene its under it will be or eited.

FAIR INSURANCE CODEAllianz supports the principles o the Fair Insurance Code. Thepurpose o this Code is to increase the standards o practice and

service within the insurom our o ice.

DISPUTE RESOLUTI you have a complain

o Allianz Global AssiAssistance on 0800 630to The Dispute Resolut4066, Australia. Allianzin accordance with its IAllianz Global Assistan

A dispute can be re errsubject to its terms o rdispute resolution servi

alling within its terms

Financial Services ComFreephone: 0800 347 2Telephone: +64 (04) 47Fax: +64 (04) 472 3728Post : PO Box 5967, LaEmail: in o@ scl.org.



IN THE EVENT OF A CLAIM:Immediate notice should be given to Allianz Global Assistance(see contact details on back o this Policy Wording).PLEASE NOTE: For claims purposes, evidence o the value o theproperty or the amount o any loss must be kept.

SAFEGUARDING YOUR LUGGAGE & PERSONAL EFFECTSYou must take all reasonable precautions to sa eguard your Luggageand Personal E ects. I you leave your Luggage and Personal E ectsUnsupervised in a Public Place we will not pay your claim. (For anexplanation o what we mean by “Luggage and Personal E ects”,“Unsupervised” and “Public Place” see pages 42 to 44).

CLAIMS PROCESSINGAllianz Global Assistance will process your claim within 10 businessdays o receiving a completed Claim Form and all necessary

documentation. I they need additional in ormation, a writtennoti ication will be sent to you within 10 business days.

PRIVACY NOTICETo arrange and manage your travel insurance, we (in this PrivacyNotice “we”, “our” and “us” includes Allianz Global Assistance and

1Cover) collect personal in ormation authorised by you such as your doctorconsider necessary).

Any personal in ormation you providarrange your travel insurance. We alsthe insurance services and manage yoin relation to the insurance services, iand investigating claims. We may alsproduct development, marketing, resedevelopment, recovery against third pwith your consent.

This personal in ormation may be diparties in New Zealand or overseas intravel consultants, travel insurance prreinsurers, claims handlers and investmedical and health service providers,advisers, your agents and our related o such personal in ormation will beprimary purposes stated above. The psensitive in ormation) may also be u



i you would reasonably expect us to use that in ormation or suchsecondary purpose.

When you give personal in ormation about other individuals, we andour agents rely on you to have made or make them aware:

• that you will or may provide their information to us;• of the types of third parties to whom the information may

be provided to;• of the relevant purposes we and the third parties we will

disclose it to will use it or; and• of how they can access it.

We rely on you to have obtained their consent on these matters. I you have not done or will not do these things, you must tell us orour agents be ore you provide the relevant in ormation.

You can seek access to and correct your personal in ormation bycontacting us. You may not access or correct personal in ormationo others unless you have been authorised by their express consentor otherwise under law, or unless they are your dependants under 16 years o age.

I you do not agree toin ormation, we may products or may not bwith a policy. In casessome personal in orm

YOU CAN CHOOSEYou are ree to choose Assistance can appoint are treated under a Rec71.You must, however, adadmittance to hospitalmedical advice.I you do not get the m

Assistance can assist yare liable or anything



OVERSEAS HOSPITALISATION OR MEDICAL EVACUATIONFor emergency assistance anywhere in the world at any time, AllianzGlobal Assistance is only a telephone call away. The team will help withmedical problems, locating nearest medical acilities, your evacuation

Home, locating nearest embassies and consulates, as well as keeping youin touch with your amily and work in an emergency.I you are hospitalised you, or a member o your Travelling Party, MUSTcontact Allianz Global Assistance as soon as possible. I you do not, wewill not pay or these expenses or or any evacuation or air ares thathave not been approved or arranged by Allianz Global Assistance.I you are not hospitalised but you are being treated as an outpatientand the total cost o such treatment will exceed $2,000 you MUSTcontact Allianz Global Assistance.

EXCESSPLANS A, B, C, E & GWe will not pay the irst $100 or any one event under Sections 2,11, 12, 13, 14, 16, 19 & 22. You can remove this Excess by paying anadditional premium (please contact 1Cover or details).

A NIL Excess applies to Sections 120 & 21

PLANS D & FA NIL Excess applies to all Sectio

PLAN HWe will not pay the irst $200 or11, 12, 13, 14, 16, 19 & 22.

A NIL Excess applies to Sections 120 & 21.I any additional Excess applies to ythe Certi icate o Insurance, Pre-exadvised to you in writing be ore the



Words with Special MeaningsSome words in this Policy Wording that have special meanings arede ined here.

"AICD/ICD"means an implantable cardioverter-de ibrillator (ICD), alsoknown as an automated implantable cardioverter-de ibrillator (AICD).

“Arises” or “Arising” means directly or indirectly arising or in any wayconnected with.

“Carrier” or “Carriers” means an aircra t, vehicle, train, vessel orother public transport operated under a licence or the purpose o transporting passengers. This de inition excludes taxis.

“Chronic” means a persistent and lasting condition. We do not considerthat chronic pain has to be ‘constant’ pain. In many situations it has apattern o relapse and remission. The pain may be long-lasting, recurrent(occurred on more than 2 occasions), or characterised by long su ering.

“Country o Residence” means a country outside New Zealand o which you are a citizen or permanent resident.

“Dependant” meanswho are under the a

“DSM”means the DIt is an American hdi erent categoriethem.

“Epidemic” meanscontagious disease state or within a pre

“Excess” means thearising rom the one

“Family” means yo your Dependants.

“Home” means theRe er to page 19 or

“Hospital” means legislation that app



“Injure” or “Injured” or “Injury” means bodily injury caused solelyand directly by violent, accidental, visible and external means,which happens at a de inite time and place during your period o cover and does not result rom any illness, sickness or disease.

“Journey” means the time rom when you leave your Home togo directly to the place you depart rom on your travels, and endswhen you return to your Home. Re er to page 19 or the de inition o “Journey” or Plan G. Re er to page 20 or the de inition o “Journey” or Plan H.

“Locked Storage Compartment” means a boot, trunk, glove box,enclosed centre console, or concealed cargo area o a sedan, stationwagon, hatchback, van or motorhome.

“Luggage and Personal E ects” means any personal items ownedby you and that you take with you or buy on your Journey and whichare designed to be worn or carried about with you. This includes items

o clothing, personal jewellery, photographic and video equipmentor personal computers, or electrical devices or portable equipment.However, it does not mean any business samples or items that youintend to trade.

“Medical Adviser” means a qualiregistered in the place where you re

“Moped” or “Scooter” means any tvehicle with automatic transmission

greater than 50cc.“Motorcycle” means any two-wheewith manual transmission, or has an50cc (regardless o transmission ty

“Open Water Sailing” means sailinany land mass.

“Overseas” means in any country othe

“Pandemic” means a orm o an Eentire continent, even the entire hum



“Pre existing Medical Condition” means:a] An ongoing medical or dental condition o which you are aware,

or related complication you have, or the symptoms o which you areaware;

b] A medical or dental condition that is currently being, orhas been investigated, or treated by a health pro essional(including dentist or chiropractor) at any time in the past,prior to policy purchase;

c] Any condition or which you take prescribed medicine;d] Any condition or which you have had surgery;e] Any condition or which you see a medical specialist; or

] Pregnancy.This de inition applies to you, your Travelling Party, a Relative or anyother person.

“Public Place” means any place that the public has access to,including but not limited to planes, trains, cruise ships, taxis, buses,air or bus terminals, stations, wharves, streets, museums, galleries,hotels, hotel oyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas.

“Reasonable” means,level o care given in the standard level youdetermined by us.

“Relative” means anyand who is resident in member o your Travparent-in-law, daughtesister, brother-in-law, sparent, step-son, step-d

“Rental Vehicle” mea4.5 tonne, a sedan, hatcbus/people mover rente

“Resident o New Zea

resident or citizen o N“Sick” or “Sickness”an injury, which irst



Your Policy CYOUR CHOICESUnder this policy, you choose thetravel arrangements.

Whether you choose:• A Single, Group or Fam• Plan A, B, C, D, E, F

depends on the type o cover you

POLICY TYPEYou can choose one o the ollo

Single Covers you and your depunder 21 travelling with you

Group Covers you and your Trado not provide cover or Dependissue one Certi icate o Insuranc

“Travelling Companion” means a person with whom you have madearrangements to travel with you or at least 75% o your Journeybe ore you entered into your policy.

“Travelling Party” means those people de ined in Family and any

Travelling Companion who has made arrangements to accompany youor at least 75% o the Journey.

“Unsupervised” means leaving your Luggage and Personal E ects:• with a person you did not know prior to commencing your

Journey; or• in a position where it can be taken without your knowledge; or• at such a distance from you that you are unable to prevent it

being taken.

“We”, “Our” and “Us” means Allianz New Zealand Limited.

“You” and “Your” means the person whose name is set out on your Certi icateo Insurance and everyone else who is covered under your policy.



as i you are each insured under separate policies with Single policybene its per insured person.

Family Covers you and the members o your Family travellingwith you. The bene it limits or Family policies apply to the total o all claims combined, regardless o which insured person the claimrelates to.

The remainder o this section outlines what "We WillPay" and what "We Will Not Pay" under each bene itin the event o a claim.

1 OVERSEAS E

You only have this cov

1.1 WE WILL PAY

Allianz Global Assistaemergency (see “Whomay contact them at a

Allianz Global Assistaservices i you injure overseas:

a] Access to a Medwhilst overseas.

b] Any messages wemployer in the

c] Provide written expenses or em

d] Your medical trato the nearest hooverseas or be bmedical supervis



c] We will not pay or medical o your remains rom New Z

YOU MUST CHECK "GENERATO ALL SECTIONS" PAGES 69

WE WILL NOT PAY.

2 OVERSEAS EMERGENCEXPENSES

You only have this cover i you cho

2.1 WE WILL PAY

a] We will reimburse the Reasonexpenses you incur until you injure yoursel overseas, or b

hospital expenses must have ba Medical Adviser. You mustmedical or hospital expenses

e] For the return to New Zealand o your Dependant children i they are le t without supervision ollowing your hospitalisationor evacuation.

I you die as a result o an injury or a sickness during your Journey,

we will pay or the Reasonable cost o either a uneral or cremationoverseas and/or o bringing your remains back to your Home. Themaximum amount we will pay is $15,000 or all claims combined.

Please note that we will not pay or any costs incurred in New Zealand.The maximum amount we will pay or all claims combined under thisSection is shown under the Table o Bene its or the Plan you haveselected.

1.2 WE WILL NOT PAYa] We will not pay or any expenses or medical evacuation, uneral

services or cremation or bringing your remains back to New Zealandunless it has been irst approved by Allianz Global Assistance.

b] We will not pay i you decline to promptly ollow the medicaladvice Allianz Global Assistance have obtained and we will not beresponsible or subsequent medical, hospital or evacuation expenses.



I Allianz Global Assistance determine that you should returnHome to New Zealand or treatment and you do not agree todo so then we will pay you the amount which Allianz GlobalAssistance determine would cover your medical expenses and/or related costs had you agreed to their recommendation. Youwill then be responsible or any on going or additional costsrelating to or arising out o the event you have claimed or.We will only pay or treatment received and/or hospitalaccommodation during the 12 month period a ter thesickness irst showed itsel or the injury happened.

b] We will also pay the cost o emergency dental treatment upto a maximum amount o $500 per person per Journey ordental costs incurred which the treating dentist certi ies inwriting is or the relie o sudden and acute pain to sound andnatural teeth.

Please note that we will not pay or any costs incurred in NewZealand.The maximum amount we will pay or all claims combined underthis Section is shown under the Table o Bene its or the Plan youhave selected.

2.2 WE WILL NOT

We will not pay or ex

a] Arising rom Prspeci ied underon pages 21 to 3

b] When you have as practicable o

c] A ter 2 weeks tdentist unless ap

d] I you do not ta

e] I you have recHealth Scheme.in place with Au

] For damage to d



g] Relating to dental treatment involving the use o preciousmetals or or cosmetic dentistry.

YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TOALL SECTIONS” PAGES 69 to 72 FOR OTHER REASONS WHY

WE WILL NOT PAY.

3 ADDITIONAL ACCOMMODATION & TRAVELEXPENSES

You only have this cover i you choose Plan A, D, E, F, G or H.

3.1 WE WILL PAY:a] We will reimburse any Reasonable additional accommodation

and travel expenses i you cannot travel because o an injuryor sickness which needs immediate treatment rom a Medical

Adviser who certi ies that you are un it to travel.b] I you shorten your Journey and return to New Zealand onthe advice o a Medical Adviser approved by Allianz GlobalAssistance, we will reimburse the Reasonable cost o your

return to New Zealand. We wclass that you had planned to advantage o any pre-arrangeI you do not have a return tic

you were injured or became sico your claim by the price o place you planned to return to be at the same are class as the

c] In addition, we will reimburstravel and accommodation exJourney arises rom the oll

•Your scheduled or connedelayed, shortened or diverhijack, civil commotion, we•You unknowingly break•You lose your passport,they are stolen.•An accident involving yohave written con irmation body in the country where t



c] We will not payo any transport

d] We will not pay airline, shippinga strike, riot, hijdisaster.

e] We will not paythe rental agreem

] We will not pay Companion chan

YOU MUST CHECKSECTIONS” PAGES NOT PAY.

• Your Home is rendered uninhabitable by fire, explosion,earthquake or lood.

d] Wherever claims are made by you under this Section andSection 1 or cancelled services/ acilities or alternativearrangements or the same or similar services/ acilities, wewill pay or the higher o the two amounts, not both.

The maximum amount we will pay or all claims combined underthis Section is shown under the Table o Bene its or the Plan youhave selected.

THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINEDUNDER SECTIONS 3, 4 & 5 IS $50,000 FOR SINGLE & GROUPPOLICIES (PER PERSON) AND $100,000 FOR FAMILY POLICIES.

3.2 WE WILL NOT PAY

a] We will not pay i you were aware o any reason, be ore yourperiod o cover commenced, that may cause your Journey tobe cancelled or disrupted or delayed.

b] We will not pay i you can claim your additional travel andaccommodation expenses rom anyone else.



4 FAMILY EMERGENCY


4.1 WE WILL PAY:a] I , during your Journey, your Travelling Companion or a Relative

o either o you dies unexpectedly, is disabled by an injury orbecomes seriously sick and requires hospitalisation (except arising

rom a Pre-existing Medical Condition), we will reimburse theReasonable additional cost o your return to New Zealand. We willonly pay the cost o the are class you had planned to travel at.

b] I , as a result o a Pre-existing Medical Condition, a Relative ishospitalised in New Zealand or Australia or dies in New Zealandor Australia a ter the policy is issued, and at the time o policyissue you were unaware o the likelihood o such hospitalisation ordeath, the most we will pay under this Section is as ollows:

• $2,000 for Single policies• $2,000 per person for Group policies• $4,000 for Family policies

c] Wherever claims are made by 16 or cancelled services/ acithe same or similar services/ athe two amounts, not both.

The maximum amount we will pay Section is shown under the Table oselected.

THE MAXIMUM AMOUNT WE WUNDER SECTIONS 3, 4 & 5 IS $50(PER PERSON) AND $100,000 FO

4.2 WE WILL NOT PAY:a] I you were aware, be ore yo

circumstances that may cause disrupted or delayed.

b] I the death, injury or sicknessPre-existing Medical ConditioSection 4.1[b].

c] I you can claim your addition



d] As a result o you or your Travelling Companion changingtravel plans.

YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALLSECTIONS” PAGES 69 to 72 FOR OTHER REASONS WHY WE WILL

NOT PAY.

5 EMERGENCY COMPANION COVER


5.1 WE WILL PAY:a] We will reimburse your Reasonable additional accommodation

and travel expenses or you to be with your Travelling Companioni he or she cannot continue their Journey because o an injuryor sickness which needs immediate treatment rom a MedicalAdviser who certi ies that they are un it to travel.

b] We will also reimburse the Reasonable accommodation andtravel expenses o your Travelling Companion or a Relative totravel to you, stay near you or escort you, i you are in hospitalsu ering rom a li e threatening or other serious condition,

or are evacuatedstay with you or Adviser and with

c] Wherever claimSection 16 or carrangements owill pay or the

The maximum amounthis Section is shown uhave selected.

THE MAXIMUM AMUNDER SECTIONS 3POLICIES (PER PERS

5.2 WE WILL NOTa] I you were aw

commenced, thadisrupted or dela

b] I you can claimexpenses rom



c] We will not pay i you operate a Rental Vehicle in breach o the rental agreement.

d] As a result o you or your Travelling Companion changingtravel plans.

YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALLSECTIONS” PAGES 69 to 72 FOR OTHER REASONS WHY WE WILLNOT PAY.

6 RESUMPTION OF JOURNEY

You only have this cover i you choose Plan A, E or H.

6.1 WE WILL PAY:We will reimburse you or air ares or you to return to the place you were when your Journey was interrupted, i you return to your

Home because:a] •during your Journey, a Relative of yours dies unexpectedly or

is hospitalised ollowing a serious injury or a sickness (exceptarising rom a Pre-existing Medical Condition); and

• It is possible for your•there is more than 14 dJourney, as noted on your C•You resume your JourneyZealand.

b] I , as a result o a Pre-existinhospitalised in New Zealand oAustralia a ter the policy is iswere unaware o the likelihoomost we will pay under this S

• $2,000 for Single polic• $2,000 per person for• $4,000 for Family polic

c] Wherever claims are made byor cancelled services/ aciliti

same or similar services/ aciltwo amounts, not both.




6.2 WE WILL NOT PAY:a] I you were aware o any reason, be ore your period o cover

commenced, that may cause your Journey to be cancelled ordisrupted or delayed.

b] I the death, injury or sickness o a Relative arises rom aPre-existing Medical Condition except as speci ied underPolicy Section 6.1[b].

c] I you can claim your resumption o Journey expenses romanyone else.

YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TO ALLSECTIONS” PAGES 69 to 72 FOR OTHER REASONS WHY WE WILLNOT PAY.

7 HOSPITAL CASH ALLOWANCE

You only have this cover i you choose Plan A, E, G or H.

7.1 WE WILL PAYWe will pay you $50 or each day you are in hospital i youare in hospital or more than 48 continuous hours while youare overseas.

However, no matter hoamount we will pay shown under the Table

7.2 WE WILL NOT

a] For the irst 48 b] I you cannot cl

YOU MUST CHECKTO ALL SECTIONS"WE WILL NOT PAY.

8 ACCIDENTAL


8.1 WE WILL PAYWe will pay the death a] you are injured

o that injury w



9 PERMANENT DISABILI


9.1 WE WILL PAY

a] I you are injured during youb] Because o the injury, you bewithin 12 months o the inju

Permanently disabled means:• you have totally lost all o

use o a hand or oot at or ab• the loss is for at least 12

Assistance’s opinion a ter conmedical specialist, will continu

The most we will pay or any one D

The maximum amount we will pay this Section is shown under the Tabhave selected.

b] during your Journey, something you are travelling ondisappears, sinks or crashes and you are presumed dead and your body is not ound within 12 months.

The limit we will pay or the death o any one accompanying

Dependant is $5,000.The maximum amount we will pay or all claims combined underthis Section is shown under the Table o Bene its or the Plan youhave selected.

8.2 WE WILL NOT PAYa] We will not pay or death caused by suicide or or any other

reason other than caused by injury as de ined on page 42.

YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLETO ALL SECTIONS" PAGES 69 to 72 FOR OTHER REASONS WHY

WE WILL NOT PAY.



9.2 WE WILL NOT PAY

YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLETO ALL SECTIONS" PAGES 69 to 72 FOR REASONS WHY WEWILL NOT PAY.

10 LOSS OF INCOME


10.1 WE WILL PAYI you are injured during your Journey and become disabled within 30days because o the injury, and the disablement continues or morethan 30 days a ter your return to New Zealand, we will pay you anallowance under this bene it. We will only pay i you cannot do yournormal or suitable alternative work and you lose all your income.

We will pay you $400 per week under a Single policy or Group policy(per person) and $800 per week under a Family policy or a periodo up to 26 weeks, subject to the maximum limits shown under theTable o Bene its or the type o policy (Single, Group or Family) andPlan you have selected.

The maximum amounSection is shown undselected.

10.2 WE WILL NOTFor the irst 30 days oNew Zealand.

YOU MUST CHECKSECTIONS" PAGESNOT PAY.

11 CREDIT CAR


11.1 WE WILL PAY:a] We will reimbur

communication stolen rom you



b] We will also cover loss resulting rom the raudulent use o any credit card held by you ollowing the loss or the t o thecard during your Journey.

c] We will only cover those amounts not covered by anyguarantee given by the bank or issuing company to you as thecardholder covering such losses.


THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMSCOMBINED UNDER SECTIONS 11 & 12 FOR PLANS A & E IS$5,000 FOR SINGLE & GROUP POLICIES (PER PERSON) AND$10,000 FOR FAMILY POLICIES.

THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINEDUNDER SECTIONS 11 & 12 FOR PLAN B IS $1,000 FOR SINGLE &GROUP POLICIES (PER PERSON) AND $2,000 FOR FAMILY POLICIES.

11.2 WE WILL NOT PAY:We will not pay i you:a] Do not report the the t within

the issuing bank or company under which the cards were is

b] Cannot provide Allianz Globstatement rom them.

YOU MUST CHECK “GENERALSECTIONS” PAGES 69 to 72 FORNOT PAY.

12 TRAVELLERS CHEQUE


12.1 WE WILL PAY:a] We will reimburse you the recommunication costs) o anypassports or travellers cheque

rom you during your Journe



b] We will only cover those amounts not covered by any guaranteegiven by the bank or issuing company covering such losses.

The maximum amount we will pay or all claims combined underthis Section is shown under the Table o Bene its or the Plan you

have selected.THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMSCOMBINED UNDER SECTIONS 11 & 12 FOR PLANS A & E IS$5,000 FOR SINGLE & GROUP POLICIES (PER PERSON) AND$10,000 FOR FAMILY POLICIES.

THE MAXIMUM AMOUNT WE WILL PAY FOR ALL CLAIMS COMBINEDUNDER SECTIONS 11 & 12 FOR PLAN B IS $1,000 FOR SINGLE &GROUP POLICIES (PER PERSON) AND $2,000 FOR FAMILY POLICIES.

12.2 WE WILL NOT PAY:

We will not pay i you:a] do not report the the t within 24 hours to the police and

to the issuing bank or company in accordance with theconditions under which the cheques were issued; and

b] you cannot provstatement rom

YOU MUST CHECKSECTIONS” PAGES

NOT PAY.

13 THEFT OF CAPOSTAL ORD


13.1 WE WILL PAYThe most we will pay isnotes, currency notes, po

13.2 WE WILL NOTa] I you do not re

o ice o the bwere travelling o you made a repowritten statemen



b] I the cash, bank notes, currency notes, postal orders or moneyorders were not on your person at the time they were stolen.

YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLE TOALL SECTIONS" PAGES 69 to 72 FOR OTHER REASONS WHY

WE WILL NOT PAY.

14 LUGGAGE & PERSONAL EFFECTS

You only have this cover i you choose Plan A, B, D, E, F, G or H.

14.1 WE WILL PAYa] The repair cost or value o any Luggage and Personal E ects

which are stolen or accidentally damaged or are permanentlylost.When calculating the amount payable we will apply

depreciation due to age, wear and tear. The amount o suchdepreciation will be determined by Allianz Global Assistance.No depreciation will be applied to goods purchased duty ree priorto your departure or goods purchased during your Journey. We will

not pay more than the original pdecide what is to be allowed oWe have the option to repair or E ects instead o paying you

b] The maximum amount we will is:

• $3,000 for personal c• $1,000 for mobile p

with phone capabilities)• $750 for all other un

A pair or related set o items • a camera, lenses (atta

accessories;• a matched or unmatch

buggy;• a matching pair of e

are considered as only one itemand the appropriate single item



c] In addition to the limit shown on the Table o Bene its or thisSection, we will also pay up to a maximum o $5,000 (or suchother lower amount which you have previously selected) or allitems combined, that you have speci ied under “Increased Luggage& Personal E ects Cover” and paid an additional premium or. Thestandard item limits shown in 14.1[b] remain unaltered.

d] Luggage and Personal E ects le t in a motor vehicle are onlycovered during daylight hours and must have been lockedin the boot or a Locked Storage Compartment and orcedentry must have been made. No cover applies i Luggageand Personal E ects are le t unattended in the passengercompartment o the motor vehicle or i the Luggage andPersonal E ects have been le t in the motor vehicle overnight.The most we will pay i your Luggage and Personal E ectsare stolen rom the Locked Storage Compartment o an

unoccupied vehicle is $200 or each item and $2,000 in totalor all stolen items.


We will also pay up toInsurance or any addLuggage & Personal E

14.2 WE WILL NOTWe will not pay a claimE ects i :a] You do not repo

24 hours to the pshipping line or loss, the t or mi you made such rwith a written st

b] Your jewellery, mequipment or th

hold o any aircc] The loss, the t od] The loss, the t o

or motel room ain any aircra t,



e] The loss, the t or damage is to watercra t o any type (otherthan sur boards).

] The Luggage and Personal E ects were being sentunaccompanied or under a reight contract.

g] The loss or damage arises rom any process o cleaning, repairor alteration.h] The loss or damage arises rom ordinary wear and tear, deterioration,

atmospheric or weather conditions, insects, rodents or vermin.i] The Luggage and Personal E ects were le t Unsupervised in a

Public Place. j] The Luggage and Personal E ects were le t unattended in

a motor vehicle unless it was locked in the boot or LockedStorage Compartment.

k] The Luggage and Personal E ects were le t overnight in

a motor vehicle even i they were in the Locked StorageCompartment.

l] The Luggage and Personal E ects have an electrical ormechanical breakdown.

m] The Luggage and Personal Eelectronic component is brok

•it is the lens of spectaclvideo equipment; or•the breakage or scratchvehicle in which you are tra

n] You are entitled to be reimbushipping line or rail authorityloss, the t, misplacement or d you are not reimbursed the upay the di erence between t you were reimbursed, up to thdepreciation due to age, wear an

o] The loss or damage is to spor(including sur boards).

YOU MUST CHECK "GENERATO ALL SECTIONS" PAGES 69WE WILL NOT PAY.



15 LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES


15.1 WE WILL PAY

We will reimburse up to the bene it limit as per the Planselected or all claims combined i any items o your Luggage andPersonal E ects are delayed, misdirected or misplaced by the Carrier

or more than 12 hours, and in Allianz Global Assistance’s opinionit was reasonable or you to purchase essential items o clothing orother personal items.Your claim must contain written proo rom the Carrier who wasresponsible or your Luggage and Personal E ects that they weredelayed, misdirected or misplaced.We will deduct any amount we pay you under this bene it orany subsequent claim or lost Luggage and Personal E ects.


15.2 WE WILL NOTa] I you are entitle

shipping line or ramount claimed.

we will pay the dwhat you were re

YOU MUST CHECKTO ALL SECTIONSWE WILL NOT PAY

16 CANCELLAT


16.1 WE WILL PAY

a] Your cancellatioaccommodationand cannot recoor shortened at aexpected nor int



b] The travel agent’s cancellation ees up to $1,500 Single policyor $3,000 Family policy where all monies have been paid orthe maximum amount o the deposit has been paid at thetime o cancellation. However, we will not pay more than thelevel o commission or service ees normally earned by the

agent, had your Journey not been cancelled. Documentaryevidence o the travel agent’s ee is required.

c] You or loss o requent lyer or similar air travel points youused to purchase an airline ticket ollowing cancellation o your air ticket, i you cannot recover the lost points rom anyother source. The cancellation must be due to un oreseencircumstances outside o your control. We calculate theamount we pay you by multiplying:

• The cost of an equivalent class airline ticket based on thequoted retail price at the time the ticket was issued, less

your inancial contribution; and• The total value of points lost divided by the total value o points used to obtain the ticket.

d] I , as a result o a Pre-existing Medical Condition, a Relativeis hospitalised in New Zealand or Australia or dies in

New Zealand or Australia a ter ttime o policy issue you were unhospitalisation or death, the mostas ollows:• $2,000 for Single policies

• $2,000 per person for Grou• $4,000 for Family policies

The maximum amount we will pay orthis Section is shown under the Table oselected.

16.2 WE WILL NOT PAYa] I you were aware o any reason

commenced, that may cause yourabandoned or shortened.

Nor will we pay i your cancellation b] I the death, injury or sickness o

Medical Condition except as specc] You or your Travelling Companio



d] Any business, inancial or contractual obligations. This exclusiondoes not apply to claims where you or a member o yourTravelling Party are made redundant rom ull-time employmentin New Zealand provided you or they were not aware that theredundancy was to occur be ore you purchased your policy.

e] Prohibition or regulation by any government.] A tour operator or wholesaler being unable to complete

arrangements or any tour because there were not enoughpeople to go on the tour.

g] Delays or rescheduling by a bus line, airline, shipping line orrail authority.

h] The inancial collapse o any transport, tour oraccommodation provider.

i] The mechanical breakdown o any means o transport. j] An act or threat o terrorism.k] The death, injury or sickness o any person who resides

outside o New Zealand.l] Your pre-arranged leave being cancelled by your employer

(where you are a ull-time permanent employee).

m] An Epidemic or

YOU MUST CHECKTO ALL SECTIONSWILL NOT PAY.

17 DISRUPTION


17.1 WE WILL PAYWe will reimburse youexpenses i a disruptiocircumstances outside

We will pay up to $20we will pay up to $200continues beyond the i

The maximum amounSection is shown undeselected.



17.2 WE WILL NOT PAYWe will not pay i a disruption to your Journey arises rom any o the ollowing reasons:

a] I you can claim your additional meals and accommodationexpenses rom anyone else.

b] The inancial collapse o any transport, tour or accommodationprovider

c] I your claim arises directly or indirectly rom an act or threato terrorism.

YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TOALL SECTIONS” PAGES 69 to 72 FOR OTHER REASONS WHYWE WILL NOT PAY.

18 ALTERNATIVE TRANSPORT EXPENSES


18.1 WE WILL PAYWe will pay your Reasonable additional travel expenses as determined

by Allianz Global Assistance to reacsporting event or prepaid travel/tour scheduled transport is cancelled, delmeans you would not arrive on time


18.2 WE WILL NOT PAYa] I cancellation, delay, shorten

transport arises rom the inor accommodation provider.

b] I your claim arises directly oterrorism.

YOU MUST CHECK "GENERALSECTIONS" PAGES 69 to 72 FORPAY.



19 PERSONAL LIABILITY

You have this cover i you choose Plan A, B, C, D, E, F, G or H.

19.1 WE WILL PAYWe will cover your legal liability or payment o compensation inrespect o :

• death, bodily injury or sickness, and/or• physical loss of damage to property,

occurring during your Journey which is caused by an accident or aseries o accidents attributable to one source or originating cause.We will also reimburse your Reasonable legal expenses or settling orde ending the claim made against you. We decide whether theexpenses were Reasonable.You must not accept liability without Allianz Global Assistance’sprior written approval.


19.2 WE WILL NOTWe will not reimburselegal claim against youi the claim arises out

a] Bodily injury toor employee ob] Damage to prop

or belonging to,Travelling Com

c] Something arisidevice, watercra

d] Something arisintrade;

e] Any loss, damag

been covered unStatutory or ComFund, or under WAward or Agree



] Any ine, penalty or aggravated, punitive or exemplary orliquidated damages;

g] Disease that is transmitted by you;h] Any relie or recovery other than monetary amounts;

i] Liability arising rom a contract that imposes on you a liabilitywhich you would not otherwise have; j] Anything that is covered under any other insurance policy. We

will be liable only or the amount your liability exceeds thelimits o cover under any other policy;

k] Assault and/or battery committed by you or at your direction; orl] Conduct intended to cause personal injury, property damage

or liability with reckless disregard or the consequences o you or any person acting with your knowledge, consent orconnivance.

YOU MUST CHECK "GENERAL EXCLUSIONS APPLICABLETO ALL SECTIONS" PAGES 69 to 72 FOR OTHER REASONS WHYWE WILL NOT PAY.

20 DOMESTIC PETS


20.1 WE WILL PAYWe will reimburse you up to:

a] $25 or each 24 hour period boarding cattery ees or do you i you are delayed beyonan event covered under this p

b] $400 i your pet su ers an injveterinary treatment, provided tpet was in the care o a Relativ

The maximum amount we will pay this Section is shown under the Tab

have selected.



20.2 WE WILL NOT PAYAny kennel or boarding cattery ees incurred outside o New Zealand.

YOU MUST CHECK “GENERAL EXCLUSIONS APPLICABLE TOALL SECTIONS” PAGES 69 to 72 FOR OTHER REASONS WHYWE WILL NOT PAY.

21 DOMESTIC SERVICES


21.1 WE WILL PAYI you are injured during your Journey and become disabled as a resulto the injury and the disablement continues a ter your return toNew Zealand we will reimburse you up to $50 per day in respect o expenses incurred in the provision o housekeeping services that youare unable to per orm yoursel .


21.2 WE WILL NOTI you do not have a meveri ying the need or

YOU MUST CHECKALL SECTIONS” PAWE WILL NOT PAY

22 RENTAL VEH


22.1 WE WILL PAYWe will reimburse the o repairing the vehiclrented rom a rental cowhile you are driving, You must provide a coThis cover does not take provides cover or the E



In addition, we will pay up to $500 or the cost o returning yourRental Vehicle to the nearest depot i your attending Medical Adviseror dentist certi ies in writing that you are un it to do so during yourJourney.


22.2 WE WILL NOT PAYWe will not pay a claim involving the the t or damage to yourRental Vehicle i the claim arises directly or indirectly rom:

a] You operating a Rental Vehicle in violation o the rentalagreement.

b] You using the Rental Vehicle while a ected by alcohol orany other drug in a way that is against the law o the place you are in.

c] You using a Rental Vehicle w you were using it.

YOU MUST CHECK "GENERATO ALL SECTIONS" PAGES 69WILL NOT PAY.



5 Your claim is oany workers comgovernment sponother similar type

6 Your claim arisearrangements ordocuments.

7 Your claim arisesprohibition or reg

8 Your claim arisedetaining or dest

9 Your claim arisecurrent New Zeatravelling on a M

does not hold a you are travellin

General Exclusionsapplicable to all Sections

We will not pay under any circumstances i :

GENERAL1 You do not act in a responsible way to protect yoursel and

your property and to avoid making a claim.

2 You do not do everything you can to reduce your loss as much aspossible.

3 Your claim arises rom consequential loss o any kind includingloss o enjoyment.

4 At the time o purchasing the policy, you were aware o something that would give rise to you making a claim underthis policy.



10 Your claim arises rom being in control o a Moped or Scooterwithout a current New Zealand motorcycle or drivers licence or you are a passenger travelling on a Moped or Scooter that is inthe control o a person that does not hold a current motorcycleor drivers licence valid or the country you are travelling in.

11 Your claim arises because you did not ollow advice in the massmedia o any government or other o icial body’s warning:

• against travel to a particular country or parts of a country;•of a strike, riot, bad weather, civil commotion or contagiousdisease;

•of a likely or actual Epidemic or Pandemic (such as H5N1Avian in luenza);

•of a threat of an Epidemic or Pandemic (such as H5N1Avian in luenza) that requires the closure o a country’sborders;

•of an Epidemic or Pandemic that results in you being quarantined,and you did not take appropriate action to avoid or minimiseany potential claim under your policy (including delay o travel

to the country or part o the cPlease re er to www.who.int a

urther in ormation.12 Your claim arises rom any a

not or rom any rebellion, revo power by the military.

13 Your claim arises rom a nucrom nuclear weapons or rad

14 Your claim arises rom biologsubstances, compounds or the lpurpose to harm or to destroy h

MEDICAL15 Your claim arises rom, is rel

Pre-existing Medical Conditiheading “Pre-existing Medica

16 You take a blood-thinning pres(also known under the brand nand Waran).



17 Your claim is in respect o travel booked or undertaken againstthe advice o any Medical Adviser.

18 Your claim arises directly or indirectly rom any injury orsickness where a metastatic or terminal prognosis was madeprior to the issue o the Certi icate o Insurance.

19 Your claim arises out o pregnancy, childbirth or relatedcomplications except as speci ied under the heading“Pregnancy” on page 23 to 24.

20 Your claim involves a hospital where you are being treatedor addiction to drugs or alcohol, or are using it as a nursing,

convalescent or rehabilitation place.

21 Your claim involves the cost o medication in use at the timethe Journey began or the cost or maintaining a course o treatment you were on prior to the Journey.

22 Your claim arises rom or is in any way related to depression,anxiety, stress, mental or nervous conditions.

23 Your claim arises rom suicide or attempted suicide.

24 Your claim arisetransmitted diseAllianz Global AMedical Conditi

25 You were under drugs except a d

26 Despite Allianz your call to themtreatment wherein New Zealandbetween the govany other countr

27 Your claim ariseAICD/ICD inserCompanion or a Insurance) requirwhich occurs odirectly or indireAllianz Global Arepatriation to Ne



28 Your claim arises rom or is any way related to the death orhospitalisation o any person aged 85 years and over, who isnot listed on the Certi icate o Insurance, regardless o thecountry in which they may live.

SPORTS AND LEISURE29 Your claim arises because you hunt, race (other than on oot),

engage in Open Water Sailing, play polo, go mountaineeringor rock climbing using ropes or climbing equipment (otherthan or hiking) or rom pro essional sport o any kind, or romparachuting or hang gliding.

30 Your claim arises because you dive underwater using anarti icial breathing apparatus, unless you hold an open waterdiving licence issued in New Zealand or you were diving underlicensed instruction.

31 Your claim arises rom travel in any air supported device otherthan as a passenger in a ully licensed aircra t operated by anairline or charter company. This exclusion does not apply toregulated or licensed ballooning.

ClaimsHOW TO MAKE A CLAIM

You must give Allianz Global Assistas possible by completing the ClaimServices department and posting to Form. I the Claim Form is not ulAssistance cannot process your clai your claim by the amount o prejudthe delay.

You must give Allianz Global Assistreasonably ask or to support your cnot limited to police reports, valuatireceipts or proo o ownership. I ask you to provide us with translationenable them to carry out their assess



You must co-operate with Allianz Global Assistance at all timesin relation to the provision o supporting evidence and such otherin ormation as they may reasonably require.

a] For medical, hospital or dental claims, contact Allianz GlobalAssistance as soon as practicable.

b] For damage or permanent loss o your Luggage and PersonalE ects, report it immediately to the police and obtain awritten notice o your report.

c] For damage or misplacement o your Luggage and PersonalEf ects caused by the airline or any other operator oraccommodation provider, report the damage or misplacement toan appropriate of icial and obtain a written report, including anyof er o settlement that they may make.

d] Submit ull details o any claim in writing within 30 days o yourreturn.

CLAIMS ARE PAYAWe will pay all claim you tell us to pay somwill apply is the rate a

YOU MUST NOT AIn relation to any claim you are at ault, and yor become involved in approval.

DEPRECIATIONDepreciation will be apat such rates as reasona

YOU MUST HELP UI we have a claim agato pay under this policythat in legal proceedingwe may recover moneyo such third party.



IF YOU CAN CLAIM FROM ANYONE ELSE, WE WILL ONLYMAKE UP THE DIFFERENCEI you can make a claim against someone in relation to a lossor expense covered under this policy and you do not get paid the

ull amount o your claim, we will make up the di erence.

You must claim rom them irst.OTHER INSURANCEI any loss, damage or liability covered under this policy is coveredby another insurance policy, you must give us details.I you make a claim under one insurance policy and you are paidthe ull amount o your claim, you cannot make a claim under theother policy. I you make a claim under another insurance policy and you are not paid the ull amount o your claim, we will make up thedi erence. We may seek contribution rom your other insurer. Youmust give Allianz Global Assistance any in ormation they reasonably

ask or to help us make a claim rom your other Insurer.

SUBROGATIONAllianz Global Assistance may, at thname and on your behal , control anour own bene it in your name to recindemnity rom any party in respect

policy. You are to assist and permit trequired by Allianz Global Assistanccompensation or securing indemnitymay become entitled or subrogated, this policy regardless o whether wewhether or not the amount we pay y

or your loss. These rights exist regapaid under a non-indemnity or an in

RECOVERYAllianz Global Assistance will applsomeone else under a right o subr

1. To Allianz Global Assistancecosts arising rom the recove

2. To us, an amount equal to theunder the policy



3. To you, your uninsured loss (less your Excess)4. To you, your ExcessOnce we pay your total loss we will keep all money le t over. I wehave paid your total loss and you receive a payment rom someoneelse or that loss or damage, you must pay us the amount o thatpayment up to the amount o the claim we paid you.I we pay you or lost or damaged property and you later recoverthe property or it is replaced by a third party, you must pay us theamount o the claim we paid you.

BUSINESS TRAVELLERS – HOW GST AFFECTS YOUR CLAIMI you are entitled to claim an input tax credit in respect o acost or which a claim is made, or would be entitled to an input taxcredit i you were to incur the relevant cost (i.e. in replacinga lost or stolen item), the amount we would otherwise pay willbe reduced by the amount o that input tax credit.

TRAVEL WITHIN NI you are entitled to cpremium you must ino that input tax credia claim.

I you ail to do so, y you an amount under t

FRAUDInsurance raud placeFraudulent claims orWe encourage the com

raud. You can help bybe treated as con identReport insurance raud



Health Tips

The internet is a great source o health in ormation or

travellers. For vaccination and health advice includingin ormation on disease outbreaks:www.cdc.gov or www.who.int orwww.sa etravel.govt.nz

BEFORE TRAVEL, CONSULT YOUR HEALTHPROFESSIONAL TO DISCUSS:• Itinerary • Duration of travel • Style of travel• Past medical history • Pregnancy • Allergies• Pre-existing Conditions • Vaccination requirements• Disease prevention• Medication (ensure that any medications taken with you are legal in the country you will visit – make sure you carry a letter o approval rom your doctor/dentist

or any essential medication you need to take with you)

TIPS FOR LONG DISTANCE TRAVELLERS• While travelling, regularly exercise the lower limbs to

encourage blood fow• Drink plenty of non-alcoholic drinks to prevent

dehydration

OTHER USEFUL TIPS• Carry a small rst-aid kit with you containing a

packet o adhesive dressings, some insect repellent,antiseptic cream and water sterilisation tablets (thistakes up little space and could be use ul). Emergencymedical travel kits are available.

• Unless you know the water you are using is safe(bottled water usually is), sterilise all drinking watereither by boiling or using sterilisation tablets

• It is unwise to have your skin pierced (ie. acupuncture,tattooing, ear piercing, etc.) unless you can be sure thatthe equipment used is sterile – a needle wiped with analcohol swab is not necessarily sterile. Keep a note on your person advising o any signi cant medical conditiona ecting you (eg. diabetes, angina pectoris, haemophilia).

The TROUTvaccin• Tet• Pne

REQUWhenvaccin• Yel

RECOTheretravelThese• Hep• Jap

• RabPleasespeci



Notes



Australia 1800 010 075Canada 1800 214 5514China (North) 10800 611 0094China (South) 10800 361 0112France 0800 905 823Germany 0800 182 7635Greece 00800 611 4107Hong Kong 800 900 389Indonesia 001 803 0612 195

Italy Japan Netherlands New Zealand Singapore Switzerland Thailand United Kingdom United States

Emergency Free Call Telephone NumberI you are in one o the countries listed below, simply dial the number shown or

For all other countries, dial reverse charge (“collect”) via the local operator on: +